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Sorry to hear about the new collection and big score drop. Keep your head up. You will turn the corner soon if you keep at it!
I'm sorry to hear about the new CA popping up on you. That just happened to me today. I was so thankful (after reading all these horrid posts the past couple of days) that none of my CAs were Midland. Well, guess what...they are now. lol Just got a dunning from them for an old charged off account.
It appears that when you start the rebuilding process, something triggers something and CAs all of a sudden "see" you. Like you were flying under the radar or they couldn't find you and now they can. Bummer!
Hang in there. I will too. It's a long hard fight but we'll get there.